Manager, Credit Operations

Highclere Capital Corporation Manager, Credit Operations Location: Hybrid (Markham, ON) Employment Type: Full-Time About Highclere Capital Highclere Capital is a growing Ontario-based mortgage finance company focused on providing innovative lending solutions to underserved borrowers across Canada. With a sharp eye on compliance, service excellence, and responsible growth, we partner with mortgage professionals to deliver tailored financing with speed and integrity. As a remote-first team, we are building a culture rooted in accountability, collaboration, and a shared commitment to doing the right thing—for our brokers, our partners, and one another. About The Role The Manager, Credit Operations will support the Director of Credit Operations in leading Highclere Capital's Credit & Underwriting Division. This individual will supervise a team of underwriters on a day-to-day basis, ensuring consistent, high-quality mortgage adjudication within delegated lending authority. The Manager, Credit Operations will help maintain service levels, coach and develop underwriting staff, and act as the first point of escalation for underwriting questions and exception files before they reach the Director of Credit Operations. This role is instrumental in keeping the underwriting team running smoothly as Highclere continues to scale. Core Responsibilities Team Supervision & Workflow Management Supervise the day-to-day activity of a team of underwriters, assigning files, monitoring workloads, and ensuring service level targets are met Provide day-to-day coaching, training, and support to underwriters, reinforcing Highclere's credit policies and underwriting standards Support the onboarding of new underwriters, including training on systems, policies, and procedures File Review & Adjudication Review and approve standard mortgage files within delegated lending authority, escalating complex or higher-risk files to the Director of Credit Operations Conduct quality checks on underwriting files and work with the Quality Assurance and Audit teams to close out findings Monitor underwriting quality, turnaround times, and productivity, and report performance trends to the Director of Credit Operations Broker & Stakeholder Support Act as the first point of contact for underwriters and brokers on routine file questions, escalating complex broker or lending issues to the Director of Credit Operations Process & Compliance Support Support the rollout and adoption of underwriting policy changes and adjudication technology within the team Identify recurring underwriting issues or bottlenecks and bring recommendations to the Director of Credit Operations Ensure the team's day-to-day work adheres to AML, KYC, and other regulatory requirements Assist with special projects and process improvements led by the Director of Credit Operations, as needed Skills & Experience Must-Have Qualifications 5+ years of experience in residential mortgage underwriting or credit operations 2+ years of experience supervising or leading an underwriting or credit team Strong understanding of mortgage underwriting standards, credit policy, and documentation requirements Familiarity with mortgage insurers, investors, and lending guidelines Strong coaching and people-management skills, with the ability to develop underwriting talent Excellent attention to detail and sound credit judgment Effective communication skills, with the ability to liaise with brokers, underwriters, and cross-functional teams Working knowledge of AML, KYC, and regulatory requirements Preferred Qualifications Comfortable working with underwriting/adjudication technology and AI-enabled tools Degree in finance, business, or a related field (preferred) Bilingual (English & French) is an asset

The Manager, Credit Operations supervises a team of underwriters to ensure high-quality mortgage adjudication and adherence to service level targets. They act as the primary escalation point for complex files and support the Director of Credit Operations in scaling the division.

Candidates must have over 5 years of residential mortgage underwriting experience and at least 2 years of leadership experience. A strong understanding of credit policies, AML/KYC regulations, and effective coaching skills are required.

• Quality assurancePreferred

Identified from the job description. Confirm important requirements above.

• Residential Mortgage Underwriting
• Credit Operations
• Team Supervision
• Credit Policy
• Mortgage Adjudication
• People Management
• AML Compliance
• KYC Compliance
• Risk Assessment
• Stakeholder Management
• Workflow Management
• Quality Assurance

• Finance & Accounting
• Management & Leadership

Minimum education

Bachelor’s degree

Minimum experience

5+ years

Apply by

Sep 6, 2026

Posting language

English

Working hours

40 hours per week

Seniority

Mid-Senior level